It doesn't matter what the time of year, owners of static caravans may benefit from carrying out a periodic static caravan insurance review.
The reasons for this are simple enough.
Check the dates
The first thing that you may need to have a look at is the expiry date of your static caravan insurance policy. Just because you are not using your caravan does not mean that it does not need to be insured.
The opposite may tend to be the case because, in fact, sometimes your caravan may actually be more at risk when not in use and you are not around.
Caravan insurance policies of some providers may, therefore, include special terms and conditions, such as those which apply to static caravans when they are not in use by their owners, for example. These may need to be adhered to if your policy is to remain valid.
So a quick caravan insurance review may help you stay on top of the game.
Site closure
Many static caravan sites may close down outside of the peak season.
So, while your regular insurance obviously remains in force, if the site is unattended then the security of your caravan may become more of an issue.
Thieves and vandals may take advantage of this situation to go about their business unnoticed and uninterrupted.
When you initially arranged your static caravan insurance, you may have agreed to store your static in a recognised and secure CaSSOA site if you are not using it. If these arrangements have changed since, then do notify your insurers, as your policy may need to be changed.
Leaks
To avoid the risk of leaking or burst pipes, particularly following a period of freezing temperatures, some insurance policies stipulate that heating and water systems be drained down when the caravan is not being used.
End of season maintenance
It is not just the weather that you need to think about.
Your caravan insurance review may highlight the fact that some insurance policies may emphasise the need for your caravan to be kept in a good state of repair. Taking extra special care to ensure that your static home can withstand rain and storms may help to reduce the risks of damage not just to the outside of your caravan but to the interior also.
Common sense
The special terms and conditions covering caravans that are not being used are there for very good reasons. So do not get caught out!
Carry out a quick static caravan insurance review to make sure that your have done everything necessary to help keep your caravan safe and your insurance valid.
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